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Employers' liability insurance

Protection for your employees

Call 0800 294 0905 for a quote

Why do I need employers' liability insurance?

Employers' liability insurance is compulsory under UK law for any business which employs staff, including temporary staff and trainees. This insurance is necessary in case an employee suffers an injury or illness due to their work. We offer cover which allows you to combine employers' and public liability cover in one policy.

Here are the key features:

Cover for up to 12 employees (20 for non-manual professions)

Cover of £10 million as standard

Over 250 trades and professions catered for, including more difficult to insure trades such as scaffolders, roofers and working at height

Business insurance

Choose the cover that's right for your trade or business

FAQs

What is employers' liability?

Employers' liability is a legal liability to pay damages as a consequence of injury, illness or disease sustained by any employee at work. Employers' liability insurance covers the cost of paying damages awarded to an employee who has made a claim against you as an employer.

How do I know if I need employers' liability cover?

Employers' liability insurance is compulsory under UK law for businesses with employees. People working for you are defined as employees if:

they are under a contract of service

you deduct income tax and National Insurance from their wages

you manage when, where and how they work

they cannot employ a substitute when they are unable to work

What is the limit of indemnity for employers' liability insurance?

The policies we offer include a cover limit of £10 million, which meets legal requirements.